Individual Health Insurance

Individual health insurance gives you access to private medical care if you aren’t insured by your employer. This lets you swerve lengthy NHS waiting lists and receive quality healthcare in no time. You will also be able to choose the private facilities where you will be diagnosed and treated, and benefit from specialist treatments unavailable on the NHS.

Although you can use NHS services if you wish, individual health insurance is ideal or those who want greater control over your medical care. Whether this is your first time arranging cover, or you want to upgrade your current plan, it’s crucial to compare different providers. That’s why we look at all the individual health insurance providers in the UK to let you see what your best policy for you is.

What is the best health insurance for individuals?

Your health requirements are unique to you, which means your insurance should be too. It’s no good opting for a big-name provider or following a recommendation without checking the conditions and comparing with other companies. To really invest in your health, you need to ensure you’re getting the best policy for your money.

It’s our job to compare all of the options available here in the UK so you can choose the right one. We offer free expert advice every step of the way to give you all the information you need to select the most suitable health insurance plan.

What is covered by individual health insurance?

Individual health insurance covers acute conditions, which are short-term, curable ailments like broken bones, burns and cuts. It’s up to you how much coverage you take out, and these are some of the most common policy options:

Benefits of using Healthcare Clarity

We are the only broker to offer a free claims support service

On average we save our clients 32%* when switching health insurers

We compare the top health insurers, including AXA Health, Bupa and Vitality

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Individual health insurance FAQ's

Individual health insurance policies vary hugely in terms of what they cover, and the cost also depends on factors such as your age, location, medical history and lifestyle. For these reasons, we can’t provide an exact figure without more information from you, which is why it’s crucial to get a quote from us. Then we can quickly compare providers and costs to help you secure the best deal for your budget.

  • Emergency treatment
  • Treatment required due to an act of war or terrorism
  • Fertility treatment
  • Cosmetic surgery
  • Pregnancy and childbirth costs
  • Organ transplants
  • Treatment for alcoholism or substance abuse

Rather than taking out separate individual health insurance plans, it’s most cost-effective to have one policy for multiple parties. For example, joint health insurance covers you and your partner, while a family plan would ensure your children receive private medical care too. We offer quotes and advice for these options so please get in touch to discuss your requirements.

Other types of health insurance

Whether you want to protect your family, your business or yourself, we can find the policy for you. Choose from any of the private health insurance options below:


Discover what the benefits are of having your own private health insurance policy.


Ensure your loved one's are protected and get the chance to receive quick treatment.


Private health insurance plans that are there to cover both you and your partner.


Find out more about private health insurance for your child or children.

Over 50s

Keep doing the things you love with health insurance that will allow quick treatment.


Keep your employees happy and healthy with a private medical insurance plan.